Patents by Inventor Richard Ziade

Richard Ziade has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).

  • Patent number: 8682772
    Abstract: The present disclosure describes an approach to constructing and implementing risk rating products that provides a number of advantages. Instead of hard-coding attributes of a risk rating scheme, which requires the assistance of a trained programming specialist for any modifications, adjustments, or new products, the present invention provides a set of modular tools that assist non-specialists in on-the-fly generation and implementation of risk rating products. The modularity of this approach facilitates the modification and/or updating of a system component without affecting the operation of other components. Described herein are embodiments of system tools configured to read a risk rating scheme data-structure and generate a user interface whereby a user may enter information characteristic of an insurable risk and receive risk assessments, evaluations, and/or financial metrics associated with a candidate insurable risk.
    Type: Grant
    Filed: October 12, 2010
    Date of Patent: March 25, 2014
    Assignee: Insight Catastrophe Group, LLC
    Inventors: Richard Ziade, Terrence McLean
  • Patent number: 8635140
    Abstract: The present disclosure describes an approach to constructing and implementing risk rating products that provides a number of advantages. Instead of hard-coding attributes of a risk rating scheme, which requires the assistance of a trained programming specialist for any modifications, adjustments, or new products, the present invention provides a set of modular tools that assist non-specialists in on-the-fly generation and implementation of risk rating products. The modularity of this approach facilitates the modification and/or updating of a system component without affecting the operation of other components. Described herein are embodiments of system tools configured to read a risk rating scheme data-structure and generate a user interface whereby a user may enter information characteristic of an insurable risk and receive a quote indicative of a price for binding an insurance policy to the candidate risk.
    Type: Grant
    Filed: September 29, 2010
    Date of Patent: January 21, 2014
    Assignee: Insight Catastrophe Group, LLC
    Inventors: Richard Ziade, Terrence McLean
  • Publication number: 20130346114
    Abstract: The present disclosure describes an approach to constructing and implementing risk rating products that provides a number of advantages. Instead of hard-coding attributes of a risk rating scheme, which requires the assistance of a trained programming specialist for any modifications, adjustments, or new products, the present invention provides a set of modular tools that assist non-specialists in on-the-fly generation and implementation of risk rating products. The modularity of this approach facilitates the modification and/or updating of a system component without affecting the operation of other components. Described herein are embodiments of a risk evaluation product builder, which allows users to manipulate visual tools to generate a data-structure comprising an embodiment of a risk rating scheme and insurance quoting product.
    Type: Application
    Filed: March 29, 2013
    Publication date: December 26, 2013
    Inventors: Richard Ziade, Terrence McLean
  • Patent number: 8442893
    Abstract: The present disclosure describes an approach to constructing and implementing risk rating products that provides a number of advantages. Instead of hard-coding attributes of a risk rating scheme, which requires the assistance of a trained programming specialist for any modifications, adjustments, or new products, the present invention provides a set of modular tools that assist non-specialists in on-the-fly generation and implementation of risk rating products. The modularity of this approach facilitates the modification and/or updating of a system component without affecting the operation of other components. Described herein are embodiments of a risk evaluation product builder, which allows users to manipulate visual tools to generate a data-structure comprising an embodiment of a risk rating scheme and insurance quoting product.
    Type: Grant
    Filed: September 27, 2010
    Date of Patent: May 14, 2013
    Assignee: Insight Catastrophe Solutions, LLC
    Inventors: Richard Ziade, Terrence McLean
  • Patent number: 8396726
    Abstract: The present disclosure describes an approach to constructing and implementing risk rating products that provides a number of advantages. Instead of hard-coding attributes of a risk rating scheme, which requires the assistance of a trained programming specialist for any modifications, adjustments, or new products, the present invention provides a set of modular tools that assist non-specialists in on-the-fly generation and implementation of risk rating products. The modularity of this approach facilitates the modification and/or updating of a system component without affecting the operation of other components. Described herein are embodiments of a risk rater data-structure, which comprises an abstracted representation of a risk rating scheme that may be loaded into and/or interpreted by other system components to generate a user interface for processing risk information and generating insurance quotes.
    Type: Grant
    Filed: November 22, 2011
    Date of Patent: March 12, 2013
    Assignee: Insight Catastrophe Solutions, LLC
    Inventors: Richard Ziade, Terrence McLean
  • Publication number: 20120143631
    Abstract: The present disclosure describes an approach to constructing and implementing risk rating products that provides a number of advantages. Instead of hard-coding attributes of a risk rating scheme, which requires the assistance of a trained programming specialist for any modifications, adjustments, or new products, the present invention provides a set of modular tools that assist non-specialists in on-the-fly generation and implementation of risk rating products. The modularity of this approach facilitates the modification and/or updating of a system component without affecting the operation of other components. Described herein are embodiments of a risk rater data-structure, which comprises an abstracted representation of a risk rating scheme that may be loaded into and/or interpreted by other system components to generate a user interface for processing risk information and generating insurance quotes.
    Type: Application
    Filed: November 22, 2011
    Publication date: June 7, 2012
    Inventors: Richard Ziade, Terrence McLean
  • Patent number: 8090600
    Abstract: The present disclosure describes an approach to constructing and implementing risk rating products that provides a number of advantages. Instead of hard-coding attributes of a risk rating scheme, which requires the assistance of a trained programming specialist for any modifications, adjustments, or new products, the present invention provides a set of modular tools that assist non-specialists in on-the-fly generation and implementation of risk rating products. The modularity of this approach facilitates the modification and/or updating of a system component without affecting the operation of other components. Described herein are embodiments of a risk rater data-structure, which comprises an abstracted representation of a risk rating scheme that may be loaded into and/or interpreted by other system components to generate a user interface for processing risk information and generating insurance quotes.
    Type: Grant
    Filed: July 31, 2007
    Date of Patent: January 3, 2012
    Assignee: Insight Catastrophe Solutions
    Inventors: Richard Ziade, Terrence McLean
  • Publication number: 20110238452
    Abstract: The present disclosure describes an approach to constructing and implementing risk rating products that provides a number of advantages. Instead of hard-coding attributes of a risk rating scheme, which requires the assistance of a trained programming specialist for any modifications, adjustments, or new products, the present invention provides a set of modular tools that assist non-specialists in on-the-fly generation and implementation of risk rating products. The modularity of this approach facilitates the modification and/or updating of a system component without affecting the operation of other components. Described herein are embodiments of system tools configured to read a risk rating scheme data-structure and generate a user interface whereby a user may enter information characteristic of an insurable risk and receive risk assessments, evaluations, and/or financial metrics associated with a candidate insurable risk.
    Type: Application
    Filed: October 12, 2010
    Publication date: September 29, 2011
    Inventors: Richard Ziade, Terrence McLean
  • Publication number: 20110213811
    Abstract: The present disclosure describes an approach to constructing and implementing risk rating products that provides a number of advantages. Instead of hard-coding attributes of a risk rating scheme, which requires the assistance of a trained programming specialist for any modifications, adjustments, or new products, the present invention provides a set of modular tools that assist non-specialists in on-the-fly generation and implementation of risk rating products. The modularity of this approach facilitates the modification and/or updating of a system component without affecting the operation of other components. Described herein are embodiments of a risk evaluation product builder, which allows users to manipulate visual tools to generate a data-structure comprising an embodiment of a risk rating scheme and insurance quoting product.
    Type: Application
    Filed: September 27, 2010
    Publication date: September 1, 2011
    Inventors: Richard Ziade, Terrence McLean
  • Publication number: 20110022419
    Abstract: The present disclosure describes an approach to constructing and implementing risk rating products that provides a number of advantages. Instead of hard-coding attributes of a risk rating scheme, which requires the assistance of a trained programming specialist for any modifications, adjustments, or new products, the present invention provides a set of modular tools that assist non-specialists in on-the-fly generation and implementation of risk rating products. The modularity of this approach facilitates the modification and/or updating of a system component without affecting the operation of other components. Described herein are embodiments of system tools configured to read a risk rating scheme data-structure and generate a user interface whereby a user may enter information characteristic of an insurable risk and receive a quote indicative of a price for binding an insurance policy to the candidate risk.
    Type: Application
    Filed: September 29, 2010
    Publication date: January 27, 2011
    Inventors: Richard Ziade, Terrence McLean
  • Patent number: 7844528
    Abstract: The present disclosure describes an approach to constructing and implementing risk rating products that provides a number of advantages. Instead of hard-coding attributes of a risk rating scheme, which requires the assistance of a trained programming specialist for any modifications, adjustments, or new products, the present invention provides a set of modular tools that assist non-specialists in on-the-fly generation and implementation of risk rating products. The modularity of this approach facilitates the modification and/or updating of a system component without affecting the operation of other components. Described herein are embodiments of a risk evaluation product builder, which allows users to manipulate visual tools to generate a data-structure comprising an embodiment of a risk rating scheme and insurance quoting product.
    Type: Grant
    Filed: July 31, 2007
    Date of Patent: November 30, 2010
    Assignee: Insight Catastrophe Solutions
    Inventors: Richard Ziade, Terrence McLean
  • Patent number: 7844530
    Abstract: The present disclosure describes an approach to constructing and implementing risk rating products that provides a number of advantages. Instead of hard-coding attributes of a risk rating scheme, which requires the assistance of a trained programming specialist for any modifications, adjustments, or new products, the present invention provides a set of modular tools that assist non-specialists in on-the-fly generation and implementation of risk rating products. The modularity of this approach facilitates the modification and/or updating of a system component without affecting the operation of other components. Described herein are embodiments of system tools configured to read a risk rating scheme data-structure and generate a user interface whereby a user may enter information characteristic of an insurable risk and receive risk assessments, evaluations, and/or financial metrics associated with a candidate insurable risk.
    Type: Grant
    Filed: July 31, 2007
    Date of Patent: November 30, 2010
    Assignee: Insight Catastrophe Solutions
    Inventors: Richard Ziade, Terrence McLean
  • Patent number: 7844529
    Abstract: The present disclosure describes an approach to constructing and implementing risk rating products that provides a number of advantages. Instead of hard-coding attributes of a risk rating scheme, which requires the assistance of a trained programming specialist for any modifications, adjustments, or new products, the present invention provides a set of modular tools that assist non-specialists in on-the-fly generation and implementation of risk rating products. The modularity of this approach facilitates the modification and/or updating of a system component without affecting the operation of other components. Described herein are embodiments of system tools configured to read a risk rating scheme data-structure and generate a user interface whereby a user may enter information characteristic of an insurable risk and receive a quote indicative of a price for binding an insurance policy to the candidate risk.
    Type: Grant
    Filed: July 31, 2007
    Date of Patent: November 30, 2010
    Assignee: Insight Catastrophe Solutions
    Inventors: Richard Ziade, Terrence McLean
  • Publication number: 20080065426
    Abstract: The present disclosure describes an approach to constructing and implementing risk rating products that provides a number of advantages. Instead of hard-coding attributes of a risk rating scheme, which requires the assistance of a trained programming specialist for any modifications, adjustments, or new products, the present invention provides a set of modular tools that assist non-specialists in on-the-fly generation and implementation of risk rating products. The modularity of this approach facilitates the modification and/or updating of a system component without affecting the operation of other components. Described herein are embodiments of these tools, whereby loading a workbook data-structure yields a user interface into which a user may enter information descriptive of a candidate risk and receive a quote indicative of the price of binding an insurance policy for the candidate risk.
    Type: Application
    Filed: July 31, 2007
    Publication date: March 13, 2008
    Inventors: Richard Ziade, Terrence McLean
  • Publication number: 20080052136
    Abstract: The present disclosure describes an approach to constructing and implementing risk rating products that provides a number of advantages. Instead of hard-coding attributes of a risk rating scheme, which requires the assistance of a trained programming specialist for any modifications, adjustments, or new products, the present invention provides a set of modular tools that assist non-specialists in on-the-fly generation and implementation of risk rating products. The modularity of this approach facilitates the modification and/or updating of a system component without affecting the operation of other components. Described herein are embodiments of system tools configured to read a risk rating scheme data-structure and generate a user interface whereby a user may enter information characteristic of an insurable risk and receive a quote indicative of a price for binding an insurance policy to the candidate risk.
    Type: Application
    Filed: July 31, 2007
    Publication date: February 28, 2008
    Inventors: Richard Ziade, Terrence McLean
  • Publication number: 20080052135
    Abstract: The present disclosure describes an approach to constructing and implementing risk rating products that provides a number of advantages. Instead of hard-coding attributes of a risk rating scheme, which requires the assistance of a trained programming specialist for any modifications, adjustments, or new products, the present invention provides a set of modular tools that assist non-specialists in on-the-fly generation and implementation of risk rating products. The modularity of this approach facilitates the modification and/or updating of a system component without affecting the operation of other components. Described herein are embodiments of a risk evaluation product builder, which allows users to manipulate visual tools to generate a data-structure comprising an embodiment of a risk rating scheme and insurance quoting product.
    Type: Application
    Filed: July 31, 2007
    Publication date: February 28, 2008
    Inventors: Richard Ziade, Terrence McLean
  • Publication number: 20080052101
    Abstract: The present disclosure describes an approach to constructing and implementing risk rating products that provides a number of advantages. Instead of hard-coding attributes of a risk rating scheme, which requires the assistance of a trained programming specialist for any modifications, adjustments, or new products, the present invention provides a set of modular tools that assist non-specialists in on-the-fly generation and implementation of risk rating products. The modularity of this approach facilitates the modification and/or updating of a system component without affecting the operation of other components. Described herein are embodiments of a risk rater data-structure, which comprises an abstracted representation of a risk rating scheme that may be loaded into and/or interpreted by other system components to generate a user interface for processing risk information and generating insurance quotes.
    Type: Application
    Filed: July 31, 2007
    Publication date: February 28, 2008
    Inventors: Richard Ziade, Terrence McLean
  • Publication number: 20080052137
    Abstract: The present disclosure describes an approach to constructing and implementing risk rating products that provides a number of advantages. Instead of hard-coding attributes of a risk rating scheme, which requires the assistance of a trained programming specialist for any modifications, adjustments, or new products, the present invention provides a set of modular tools that assist non-specialists in on-the-fly generation and implementation of risk rating products. The modularity of this approach facilitates the modification and/or updating of a system component without affecting the operation of other components. Described herein are embodiments of system tools configured to read a risk rating scheme data-structure and generate a user interface whereby a user may enter information characteristic of an insurable risk and receive risk assessments, evaluations, and/or financial metrics associated with a candidate insurable risk.
    Type: Application
    Filed: July 31, 2007
    Publication date: February 28, 2008
    Inventors: Richard Ziade, Terrence McLean